PROTECTION / EXPLORE WITH BCIS
Protect the life
you are building.
A financial plan includes the people who depend on you. Explore the questions behind family protection, income disruption, and future retirement needs.
Phantom Income provides education. Insurance conversations are offered separately through Block Chain Insurance Services LLC (BCIS), directly with Robert. Exploring a guide does not enroll you in an insurance service.
Start with what matters to you.
FAMILY LIFE INSURANCE
Support after a premature death.
Explore how a death benefit could help your family address income needs, debts, and other commitments.
DISABILITY & LIVING BENEFITS
Understand the different protections.
Disability insurance and life insurance living-benefit riders serve different purposes. A rider may allow access to part of a death benefit after a qualifying illness; conditions and benefit amounts vary, and using it can reduce the benefit remaining for beneficiaries. Living benefits are not automatically a substitute for long-term care coverage.
SUPPLEMENTAL RETIREMENT INCOME
Explore where IUL may fit.
Indexed universal life insurance may offer cash-value accumulation and access through withdrawals or loans, subject to policy terms and tax conditions. Costs, funding needs, loan interest, and lapse risk matter. It is life insurance, and it is not suitable for everyone.
Loans and withdrawals can reduce policy values and death benefits. A lapse or surrender with outstanding loans can create taxable income. Tax advantages are conditional; discuss your situation with a qualified tax professional.
Continue with BCIS.
Visit BCIS to explore insurance resources and its available contact options. This is a separate website and a separate choice.
Visit BCISAppointment booking and information requests are not available on Phantom Income yet.
California, Nevada, and Maryland are our primary areas of focus. Availability depends on state licensing, insurer offerings, and the individual application.
Visit the BCIS website Opens the external BCIS website.
Reference: NAIC life insurance guide · IUL retirement considerations. References are educational and do not imply endorsement of Phantom Income or BCIS.